Weve all seen the ads for free credit reports in our email and on various websites.
But are most free credit report offers real?
Unfortunately, most are not actually free. In fact, most require a monthly credit monitoring or other fee one that most people really dont need.
Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit r…